Understanding what it means to be middle class varies significantly across the United States. Each state has its own cost of living, which directly impacts the income needed to maintain a middle-class lifestyle.
From housing and healthcare to education and transportation, these factors shape the financial landscape for families striving to achieve stability and comfort.
This article delves into the specific income thresholds required to be considered middle class in each state. By examining these figures, readers gain valuable insights into how regional differences affect financial expectations and quality of life.
Whether someone is contemplating a move or simply curious about their own standing, knowing the middle-class income benchmarks can provide clarity in today’s economic environment.
1: Arkansas
Arkansas requires a middle-class income of approximately $52,200 for a family of four. Key factors shaping this figure include affordable housing, healthcare costs, and transportation expenses.
2: West Virginia
Middle-class income in West Virginia typically ranges from $53,000 to $76,000 for families of four, reflecting the state’s lower cost of living.
Housing, healthcare, and transportation costs are particularly favorable, contributing to more accessible middle-class opportunities.
3: Mississippi
Mississippi’s middle-class income for a family of four averages around $55,000. This figure reflects the low cost of housing, healthcare, and education in the state.
4: Indiana
In Indiana, a middle-class income for a family of four ranges from $65,000 to $90,000. Factors influencing this range include affordable housing, moderate healthcare costs, and reasonable transportation expenses.
5: Kentucky
In Kentucky, a middle-class income for a family of four typically falls between $63,000 and $84,000.
6: Ohio
In Ohio, a middle-class income for a family of four typically ranges from $65,000 to $85,000, reflecting the state’s affordable living expenses and housing costs.
7: Iowa
In Iowa, a middle-class income for a family of four typically ranges from $70,000 to $90,000. This range accounts for the state’s reasonable housing costs, affordable healthcare, and moderate education expenses.
Families can enjoy a comfortable lifestyle due to the relatively low cost of living compared to national averages.
8: Oklahoma
In Oklahoma, a middle-class income for a family of four typically ranges from $60,000 to $75,000. These figures reflect the state’s low housing costs, affordable healthcare, and reasonable education expenses.
Families can maintain a comfortable lifestyle while enjoying diverse recreational and cultural opportunities.
9: Alabama
In Alabama, a family of four typically needs an income ranging from $55,000 to $75,000 to be considered middle class.
This range is influenced by Alabama’s low housing costs, healthcare expenses, and transportation prices.
Families in Alabama benefit from affordable living while enjoying various cultural and recreational activities.
10: Kansas
In Kansas, a middle-class income for a family of four typically ranges from $63,000 to $83,000. This range reflects the state’s affordable housing, reasonable healthcare costs, and accessible education expenses.
Families can thrive here with a lower cost of living compared to national averages, making Kansas an attractive option for those seeking a balanced lifestyle.
11: Missouri
In Missouri, a middle-class income for a family of four typically ranges from $65,000 to $80,000, reflecting affordable housing, reasonable healthcare costs, and moderate education expenses. Families benefit from a lower cost of living, allowing them to maintain a balanced lifestyle.
12: Nebraska
In Nebraska, a middle-class income for a family of four typically ranges from $67,000 to $86,000. This income range is shaped by the state’s affordable housing, reasonable healthcare costs, and educational expenses.
Families in Nebraska enjoy a good quality of life thanks to a lower cost of living compared to national averages, allowing for a comfortable lifestyle while benefiting from various recreational opportunities.
13: Michigan
In Michigan, a middle-class income for a family of four typically ranges from $70,000 to $90,000. This figure reflects the state’s affordable housing, reasonable healthcare costs, and accessible education.
Families in Michigan can enjoy a diverse lifestyle while benefiting from the state’s rich cultural heritage and recreational opportunities, making it an appealing location for many.
14: South Dakota
In South Dakota, a middle-class income for a family of four typically ranges from $56,000 to $78,000. This range factors in the state’s affordable housing, healthcare costs, and reasonable education expenses.
Families can thrive thanks to a lower cost of living, which enhances their quality of life while allowing for leisure activities in the state’s beautiful landscapes.
15: New Mexico
In New Mexico, a middle-class income for a family of four typically ranges from $60,000 to $80,000. This range reflects the state’s affordable housing, reasonable healthcare costs, and low education expenses.
Families can enjoy a good quality of life while exploring the state’s rich cultural heritage and stunning landscapes.
16: South Carolina
In South Carolina, a middle-class income for a family of four typically ranges from $55,000 to $75,000, influenced by affordable housing, reasonable healthcare, and educational costs.
Families benefit from the state’s low living expenses, enjoying a comfortable lifestyle while having access to diverse recreational activities and vibrant cultural experiences.
17: Louisiana
In Louisiana, a middle-class income for a family of four typically ranges from $55,000 to $75,000. This range reflects affordable housing, reasonable healthcare costs, and moderate transportation expenses.
Families benefit from the state’s low cost of living while enjoying its unique cultural heritage and recreational opportunities.
18: Wisconsin
In Wisconsin, a middle-class income for a family of four typically ranges from $70,000 to $90,000, supported by affordable housing, healthcare costs, and education expenses.
Families here benefit from a strong job market and diverse recreational options, contributing to a well-rounded lifestyle.
19: Tennessee
In Tennessee, a middle-class income for a family of four typically ranges from $58,000 to $78,000. This range reflects the state’s affordable housing, reasonable healthcare costs, and moderate education expenses.
Families can enjoy a comfortable lifestyle while accessing the vibrant cultural scene and recreational opportunities in cities like Nashville and Memphis.
20: North Carolina
In North Carolina, a middle-class income for a family of four typically ranges from $65,000 to $85,000. This figure reflects the state’s affordable housing and reasonable healthcare costs.
Families enjoy a good quality of life, benefiting from diverse recreational opportunities and vibrant cultural experiences throughout the state.
21: Pennsylvania
In Pennsylvania, a middle-class income for a family of four typically ranges from $68,000 to $90,000, influenced by moderate housing costs and healthcare expenses. Families benefit from a diverse economy and rich cultural experiences throughout the state.
22: Maine
In Maine, a middle-class income for a family of four typically ranges from $66,000 to $88,000. This range is influenced by moderate housing costs, reasonable healthcare expenses, and educational needs.
Families can enjoy a good quality of life while benefiting from Maine’s stunning natural landscapes and recreational opportunities.
23: North Dakota
In North Dakota, a middle-class income for a family of four typically ranges from $70,000 to $90,000. This range is shaped by the state’s affordable housing, reasonable healthcare costs, and moderate education expenses.
Families enjoy a good quality of life, supported by a strong job market, particularly in agriculture, energy, and technology sectors.
24: Illinois
In Illinois, a middle-class income for a family of four typically ranges from $75,000 to $100,000. This range accounts for the state’s diverse cost of living, with housing in cities like Chicago being significantly higher than in rural areas.
Families benefit from a robust job market, varied recreational options, and access to quality education and healthcare.
25: Georgia
In Georgia, a middle-class income for a family of four typically ranges from $63,000 to $85,000. Families can thrive due to affordable housing, reasonable healthcare costs, and accessible education expenses.
The diverse economy and vibrant cultural scene provide plenty of opportunities for recreation. Families can enjoy life in cities like Atlanta while benefiting from a relatively low cost of living compared to national averages.
26: Wyoming
In Wyoming, a middle-class income for a family of four typically ranges from $65,000 to $85,000.
Families benefit from low housing costs, reasonable healthcare expenses, and low education costs. Its scenic landscapes and outdoor activities provide a desirable quality of life for residents.
27: Vermont
In Vermont, a middle-class income for a family of four typically ranges from $75,000 to $95,000. It accounts for the state’s higher cost of living, driven by housing, healthcare, and education expenses.
Families can access quality healthcare, outdoor recreational activities, and a strong sense of community, making Vermont an attractive place to live.
28: Texas
In Texas, a middle-class income for a family of four typically ranges from $65,000 to $90,000. Families benefit from affordable housing, low healthcare costs, and reasonable education expenses.
Texas’ diverse economy supports various job opportunities, making it an attractive place for many. Families can enjoy a vibrant lifestyle with access to cultural, recreational, and educational activities across the state.
29: Florida
In Florida, a middle-class income for a family of four typically ranges from $70,000 to $90,000. Families enjoy a diverse lifestyle supported by moderate housing costs, accessible healthcare, and ample education opportunities.
The state’s vibrant economy, influenced by tourism and agriculture, provides numerous job options. Families can thrive in Florida’s unique cultural landscape while benefiting from its beautiful beaches and outdoor activities.
30: Idaho
In Idaho, a middle-class income for a family of four typically ranges from $60,000 to $80,000. Families benefit from affordable housing, reasonable healthcare costs, and low education expenses.
The state’s natural beauty and outdoor recreation options enhance the quality of life for residents.
31: Minnesota
In Minnesota, a middle-class income for a family of four typically ranges from $78,000 to $102,000. Families benefit from affordable housing, good healthcare, and quality education options.
The strong economy, driven by diverse industries, supports job opportunities and a pleasant living environment. Families can enjoy outdoor activities and cultural events, enhancing their quality of life.
32: Montana
In Montana, a middle-class income for a family of four typically ranges from $64,000 to $86,000. Families benefit from reasonable housing costs, affordable healthcare, and moderate education expenses.
The state’s stunning landscapes and outdoor recreation opportunities enhance their quality of life.
33: Delaware
In Delaware, a middle-class income for a family of four typically ranges from $70,000 to $95,000. Families benefit from the state’s balance of affordable housing, healthcare costs, and educational expenses.
Delaware’s low sales tax and proximity to major cities like Philadelphia and Baltimore enhance its appeal, fostering a comfortable quality of life.
34: Arizona
In Arizona, a middle-class income for a family of four typically ranges from $70,000 to $90,000. Families benefit from affordable housing, reasonable healthcare costs, and accessible education expenses.
The state’s diverse economy offers job opportunities, enhancing financial stability. Families enjoy outdoor activities in Arizona’s stunning landscapes, contributing to a fulfilling lifestyle.
35: Rhode Island
In Rhode Island, a middle-class income for a family of four typically ranges from $80,000 to $106,000. Families benefit from housing influenced by the state’s coastal location and higher housing costs.
Moderate healthcare expenses also impact income needs, while educational resources provide quality options. Families can enjoy a blend of recreational opportunities and cultural experiences unique to the region.
36: New Hampshire
A middle-class income for a family of four in New Hampshire typically ranges from $95,000 to $125,000. Families manage costs influenced by higher housing, healthcare, and educational expenses.
Affordable housing may be challenging in more populated areas, but good schools and scenic landscapes enhance quality of life.
37: Connecticut
In Connecticut, a middle-class income for a family of four ranges from $90,000 to $120,000. This range reflects the state’s high cost of living, driven by elevated housing and healthcare expenses.
38: Alaska
In Alaska, a middle-class income for a family of four ranges from $100,000 to $140,000. This threshold reflects the state’s high cost of living, which includes expensive housing, healthcare, and transportation.
The remote location and limited access to certain goods drive up prices, making it essential for families to earn more to maintain a comfortable lifestyle.
39: Virginia
In Virginia, a middle-class income for a family of four typically ranges from $77,000 to $110,000. This range considers the state’s diverse cost of living influenced by urban centers like Northern Virginia and more rural areas.
Factors such as housing, healthcare, and education expenses significantly shape these income thresholds. Families in urban areas face higher housing costs, while rural areas offer more affordable options.
Also, Virginia’s robust job market and access to quality education contribute to the financial landscape for families striving for a middle-class lifestyle.
40: Nevada
In Nevada, a middle-class income for a family of four typically ranges from $65,000 to $85,000. This range reflects the state’s diverse cost of living, greatly influenced by housing, healthcare, and education expenses.
Housing costs in urban areas like Las Vegas can be higher, while rural areas tend to be more affordable.
Also, Nevada’s absence of state income tax helps stretch dollars further, making it an attractive option for families aiming for a middle-class lifestyle.
41: Utah
Families in Utah typically need a middle-class income ranging from $78,000 to $100,000. This range reflects the state’s moderate cost of living and growing economy.
Housing costs are relatively affordable, especially outside major urban areas like Salt Lake City. Families can benefit from Utah’s access to quality healthcare and education, contributing to a favorable living environment.
42: Maryland
In Maryland, a middle-class income for a family of four generally falls between $91,000 and $125,000. This range reflects the state’s higher cost of living, influenced by housing, healthcare, and education expenses.
Families in urban areas like Baltimore face elevated housing costs, whereas more rural areas provide more affordable options.
Maryland’s robust job market, particularly in tech and healthcare, supports these income thresholds and offers access to quality education and services.
43: New Jersey
In New Jersey, a middle-class income for a family of four typically ranges from $100,000 to $150,000. This range reflects the state’s high cost of living, heavily influenced by elevated housing, healthcare, and educational expenses.
Families in urban areas like Newark and Jersey City face steeper housing costs, while more rural regions may offer relative affordability.
The state’s robust job market, particularly in finance, healthcare, and technology, supports these income levels and provides access to quality services.
44: Oregon
In Oregon, a middle-class income for a family of four typically ranges from $79,000 to $108,000. This range reflects the state’s moderate cost of living, shaped by housing, healthcare, and transportation expenses.
Families in urban areas like Portland face higher costs, while rural regions may offer more affordability. Oregon’s thriving job market in technology, healthcare, and education supports these income levels, enabling access to quality services for residents.
45: New York
In New York, a middle-class income for a family of four typically ranges from $100,000 to $150,000. It’s influenced by the state’s high living costs, particularly in urban areas.
Families in New York City face elevated housing prices compared to those in rural regions. Essential expenditures like healthcare and education further contribute to this income requirement.
46: Washington
In Washington, a middle-class income for a family of four typically ranges from $87,000 to $120,000. This range reflects the state’s varied cost of living, influenced by urban centers like Seattle and more rural regions.
In Seattle, housing costs significantly impact financial requirements, pushing expenses higher. Conversely, areas outside the city offer relatively affordable options.
Washington’s robust job market in technology and aerospace supports these income levels, allowing families access to essential services.
47: Colorado
In Colorado, a middle-class income for a family of four typically ranges from $85,000 to $115,000. This range reflects the state’s varied cost of living, influenced by housing, healthcare, and transportation expenses.
Families in urban areas like Denver face higher housing costs, while more rural regions may offer more affordable options.
The state’s thriving job market, particularly in technology and outdoor industries, supports these income levels, ensuring families can access quality services.
48: Massachusetts
In Massachusetts, a middle-class income for a family of four typically ranges from $97,000 to $130,000. Expenses for housing, healthcare, and education drive this range, especially in urban areas like Boston where costs are significantly higher.
Families benefit from Massachusetts’ strong economy, particularly in healthcare, education, and technology sectors, enabling access to essential services.
49: California
California’s middle-class income for a family of four typically ranges from $95,000 to $150,000. This range reflects high living costs, particularly in housing, healthcare, and education.
Families in urban centers like Los Angeles and San Francisco face steeper expenses compared to those in more rural areas.
California’s vibrant economy, driven by technology, entertainment, and agriculture, supports these income levels while providing access to essential services. The state’s diversity also plays a significant role in influencing financial expectations.
50: Hawaii
Hawaii’s middle-class income for a family of four typically ranges from $104,000 to $138,000. High costs for housing, healthcare, and education drive this range.
Families face the steepest housing prices in urban areas like Honolulu, where affordability can be a significant challenge.
The state’s vibrant tourism and agriculture sectors help support these income levels, providing access to essential services and job opportunities.
Alicia Richards